Travel Insurance Calculator.
Estimate travel insurance costs for domestic and international trips. Compare cover levels for medical, cancellation, luggage, and adventure activities.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
A medical emergency overseas without insurance can be financially devastating — a broken leg in the US costs $20,000-$50,000+, an ICU stay $10,000+ per day, and emergency evacuation $50,000-$150,000. Travel insurance is cheap compared to these risks: typically $50-$300 for a 2-week international trip. It also covers trip cancellation, lost luggage, and travel delays.
Real-world scenarios
Family Holiday to Bali, 10 Days
Family of 4, standard tourism, $6,000 total trip cost.
Standard cover estimated: $180-$300 for the family. Medical cover: $unlimited. Cancellation: up to $6,000. Luggage: $5,000-$10,000. Without insurance: a child's broken arm could cost $5,000-$15,000 at a private hospital.
Skiing Trip to Japan, 2 Weeks
Couple, snow sports, $8,000 trip cost.
Comprehensive + snow sports add-on: $250-$400 for the couple. Snow sports injuries are expensive — ACL reconstruction in Japan: $15,000-$25,000. Emergency evacuation from a ski resort: $20,000+. The $300 premium is trivial compared to the risk.